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Contributor‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
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Anurag, the business owner of a mid-sized electronics company in New Delhi, aimed to increase the market share of his enterprise. He made the decision to better control his business’s spending by using the RBL Bank Platinum Maxima Credit Card.
One notable feature of this card is the 2 reward points earned for every ₹100 spent on purchases. Anurag calculated that with his monthly business expenses averaging ₹500,000, he would accumulate 10,000 reward points each month (₹500,000 ÷ ₹100 × 2). Over a year, this amounted to 120,000 reward points.
Anurag successfully decreased operating expenses by using these points to pay for office supplies and travel connected to work. Within a year, a 15% rise in market share and more brand awareness resulted from the savings being put back into marketing initiatives.
Anurag’s strategy plan to improve his company’s market position heavily relied on the RBL Bank Platinum Maxima Credit Card’s reward system.
Here are the key highlights of the RBL Bank Platinum Maxima Credit Card to consider:
Highlights | Details | Example | Tip |
Complimentary Movie Tickets | One complimentary movie ticket worth up to ₹200 each month when you purchase two or more tickets. | Book three movie tickets totalling ₹600, pay only ₹400 (₹200 waived off). | Plan your movie outings monthly to make full use of this benefit. Only one offer is applicable per month. |
Airport Lounge Access | Two complimentary domestic airport lounge visits every calendar quarter | For four domestic trips in a quarter, enjoy two free lounge visits. | Schedule travel to make the most of the quarterly lounge access and maximize free visits. |
Features | Details | Example | Tip |
Fuel Surcharge Waiver | 1% waiver on fuel surcharge for transactions between ₹500 and ₹4,000. | For a ₹3,000 fuel purchase, a ₹30 surcharge is waived. | Use the card for fuel purchases in the specified range to enjoy the surcharge waiver. |
A well-organised rewards program is provided by the RBL Bank Platinum Maxima Credit Card to improve your shopping experience.
Welcome Benefit:
8,000 Bonus Reward Points: To obtain 8,000 reward points, make sure the yearly membership fee is paid by the deadline and activate your card by purchasing within 30 days of its issuance. Within 60 days of the card's issuance date, these points will be credited.
Enhanced Rewards: Earn 10 reward points for every ₹100 spent on dining, grocery, entertainment, and international purchases, up to a maximum of 1,000 reward points per month.
Standard Rewards: For all other eligible purchases, earn 2 reward points for every ₹100 spent.
Exclusions: Transactions in categories such as fuel, railways, utilities, real estate, wallet/service providers, insurance, and miscellaneous do not earn reward points.
These milestone reward points are credited within 45 days from the date the spending threshold is crossed.
Accrued reward points can be redeemed for a variety of options, including air travel, hotel stays, and shopping vouchers, through the RBL Bank Rewards Portal.
For example:
If you spend ₹20,000 in a month on dining and grocery (categories eligible for 10 reward points per ₹100), you would earn:
Reward Points Earned: (₹20,000 ÷ ₹100) × 10 = 2,000 reward points.
However, since the maximum cap is 1,000 reward points per month for these categories, you would receive 1,000 reward points for that month's spending.
Fee | Details | Example | Tip |
Annual Membership Fee | INR 2,000 + GST | If you hold the RBL Bank Platinum Maxima Credit Card, you will be charged ₹2,000 + GST annually. | Consider the benefits offered by the card (e.g., fuel surcharge waiver, movie tickets) to justify the annual fee. |
Benefits & Description | Monthly Spends | Annual Spends | Annual Reward Points |
Welcome Benefit | - | - | 10,000 |
Buy 1 Get 1 Movie Ticket Free every Month on BookMyShow
-
-
INR 2,400
Access Domestic Airport Lounges Twice Every Quarter
-
-
INR 3,200
EMI Conversion
Convert large purchases into easy EMIs with reduced processing fees. |
Convert a ₹50,000 appliance purchase into manageable EMIs. |
Use EMI facility for big-ticket purchases to maintain cash flow and avoid lump-sum payments. |
Annual Fee Waiver for Signature Banking Customers | Signature Banking customers enjoy the first-year annual fee waiver on the Platinum Maxima Credit Card. | If you're a Signature Banking customer, the ₹2,000 fee is waived for the first year. | If you're a Signature Banking customer, make sure to apply for the first-year fee waiver. |
Reward Redemption Fee
INR 99 + GST (levied for the redemption of reward points) |
If you redeem ₹10,000 worth of rewards points, a one-time fee of ₹99 + GST will be charged. |
Only redeem rewards when you have a significant amount accumulated to make the redemption fee worthwhile. |
Dining Spends
INR 6,000 |
INR 72,000 |
7,200 |
Entertainment Spends | INR 3,000 | INR 36,000 | 3,600 |
Fuel Spends | INR 6,000 | INR 72,000 | 7,200 |
Utility Bills | INR 6,000 | INR 72,000 | 7,200 |
Other Spends | INR 10,000 | INR 1,20,000 | 2,400 |
Spend Rs. 2 lakhs in a year | - | - | 10,000 |
Spend Rs. 3.5 lakhs in a year | - | - | 10,000 |
Spend Rs. 5 lakhs in a year | - | - | 10,000 |
Total Reward Points Earned | - | - | 67,600 |
Value of 67,600 Reward Points | - | - | INR 16,900 |
*T&C Apply
Total Benefits
- |
- |
INR 20,000+ |
Pros:
Welcome Bonus: You will receive 8,000 bonus reward points upon activating your card within 30 days of issuance and paying the annual membership fee by the due date.
Reward Points on Purchases: You can earn 10 reward points for every ₹100 spent on dining, grocery, entertainment, and international purchases (up to 1,000 points per month). Other purchases earn 2 reward points per ₹100 spent.
Milestone Benefits: You can accumulate additional reward points by reaching annual spending thresholds: 10,000 points for ₹2.5 lakhs spent and another 10,000 points upon reaching ₹4 lakhs.
Complimentary Movie Tickets: Avail one free movie ticket (up to ₹100) each month on purchasing two or more tickets through BookMyShow.
Airport Lounge Access: You can enjoy one complimentary domestic airport lounge visit every calendar quarter at major airports across India.
Annual Fee Waiver for Signature Banking Customers: If you're an RBL Bank Signature Banking customer, the first-year fee for the Platinum Maxima Credit Card is waived.
Cons:
Annual Membership Fee: The card carries an annual fee of ₹2,000 plus GST, which may be a consideration for some users.
Reward Point Limitations: Certain categories, including fuel, railways, utilities, real estate, wallet/service providers, insurance, and miscellaneous, do not earn reward points.
Reward Redemption Fee: A fee of ₹99 plus GST is applicable each time you redeem your accumulated reward points.
Eligibility Criteria | Details | Tips |
Age | At least 21 years old | |
Income | Regular source of income (salaried or self-employed) | Higher-income may increase your chances of approval, especially for premium cards. |
Credit History | Good credit score (above 750 recommended) | If you’re a Signature Banking customer, take advantage of the fee waiver by applying for the card. |
To apply for the RBL Bank Platinum Maxima Credit Card, you will need to provide the following documents:
Identity Proof:
Driving License
Address Proof:
Rental Agreement
Income Proof:
Bank Statements
Here is the step-by-step procedure to apply for an RBL Bank Platinum Maxima Credit Card:
Step 1: Click here to access the website of RBL Bank Platinum Maxima Credit Card.
Step 2: Click on "Apply Now."
Step 3: You will be redirected to a new page.
Step 4: Enter your first name, middle name, last name, gender, birth date, mobile number, and email ID.
Step 5: Select your city and click on "I’m not a robot" (Captcha verification).
Step 6: Mark the box below and click to receive an OTP.
Step 7: Enter your area pin code, complete residential address, average monthly income, source of income, and PAN card number.
Step 8: Click on the declaration form, review the details, and click "Submit."
That's it!
For assistance with your RBL Bank Platinum Maxima Credit Card, you can reach RBL Bank's customer care through the following channels:
Credit Card Queries:
These services are available 24/7 to address any questions or concerns you may have regarding your credit card.
Banking Queries:
Email: customercare@rblbank.com
For general banking inquiries, you can contact the above number or email.
The RBL Bank Platinum Maxima Credit Card is made to improve your lifestyle by offering a range of benefits across various spending categories. In addition to receiving a substantial welcome bonus, cardholders can access milestone incentives for large annual spending, and earn accelerated reward points on dining, grocery, entertainment, foreign purchases, and more.
Free movie tickets via BookMyShow and quarterly access to domestic airport lounges are extra benefits. Those who connect their purchasing habits with the card's features might benefit greatly from its multitude of rewards and privileges, even if the card has an annual charge of ₹2,000 + GST. You can go to the official RBL Bank website for more thorough information.
Q. What are the reward points on the RBL Bank Platinum Maxima Credit Card?
Every Rs. 100 spent on dining, groceries, entertainment, and foreign purchases earns you 10 reward points, with a monthly maximum of 1,000 points. You receive two reward points for every 100 rupees spent on other purchases.
Q. What are the lifestyle benefits offered with this card?
The Platinum benefits of this RBL credit card include the opportunity to win complimentary movie tickets, entry to India's largest airport lounges, and unparalleled savings on eating, travel, and shopping purchases.
Q. How do I avail of the complimentary airport lounge access?
By presenting your Platinum Maxima Credit Card, you can receive one complimentary lounge visit per calendar quarter at domestic lounges located throughout India's main airports. The Mastercard/Visa lounge program includes lounge access.
Q. How to Apply for an RBL Bank Platinum Maxima Credit Card?
To apply for the RBL Bank Platinum Maxima Credit Card, visit the official website and click "Apply Now." Enter your personal details, including your name, contact information, city, income, and PAN card number. Complete the CAPTCHA and receive an OTP on your registered mobile. Review your information, accept the declaration, and click "Submit." Your application will be processed shortly.
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